What Your Insurance May Cover When It Comes to Water Damage
Flooded facility in Johnson City,TN
If you’re facing water damage due to a flood, a storm, or another reason, you may be wondering what part of the damage falls under your insurance coverage in Johnson City, TN. Knowing the details of your policy can be important for something like this. Here is some information you may wish to know.
While the exact nature of your policy depends on your insurance plan, location, and carrier, there are a few things that can be found in most basic homeowner insurance packages. These can include:
- Fixing a leaking pipe before a major breakage occurs
- Pipe breakages from an unpreventable accident
- Subsequent damage to other parts of the home caused by the water
- Professional services needed to clean, dry and repair damage after a flood
It’s important to know what exactly is in your policy in case you feel extra coverage is necessary.
An insurance company may provide additional policies for water damage that occur outside the normal events of a home. These usually include natural disasters, such as flood or extreme storms. Damage that occurs from raising water levels is typically considered flooding and is usually covered by these policies.
Certain services may not be covered. This is why it’s best to know what’s in your policy and to talk to an insurance professional about the coverage you need. These circumstances could include negligence, such as knowingly failing to fix a broken pipe before it floods, or damage caused by storm or natural flooding, which is usually covered by another policy.
In many cases, insurance coverage can include the damage that occurs after a flood or the services needed to fix a broken pipe. However, it’s best to know what is in your policy beforehand and to acquire any extra coverage you feel you may need before water damage occurs.
What to Do Without Flood Insurance
FEMA provides funding for areas which they label as being involved in a federal disaster
Flooding may be a rare problem for many homeowners in Embreeville, TN, but in that rare instance, it is always nice to have flood insurance. However, this is an extra expense and not everyone does it. So, if you are one of those who did not opt for this type of insurance, and you have been involved in a severe flood, you might have another option.
The Federal Emergency Management Agency provides funding for areas which they label as being involved in a federal disaster. Many hurricane disaster areas obtain this type of aid, but areas which have severe seasonal flooding or are located in a flood plane are often also able to collect help to repair their homes. Even if you have flood insurance, you can acquire aid.
The grants include funds to pay for just about any living need, to ensure you and your family are taken care of in these extreme circumstances. These funds are available without regard to income.
Emergency home repairs
Uninsured/under-insured personal property losses
Medical and dental expenses related to the disaster
Funeral expenses related to the disaster
You Are Covered
Even without flood insurance, in certain extreme circumstances you may be covered. Where many other homes are affected by seasonal flooding or natural disasters or storms, and FEMA considers your county as part of a federal disaster area, the funds could cover your needed repairs. DisasterAssistance.gov will let you know if your hometown is part of the selected disaster area. You can also apply for your grant or any needed assistance using this website, and an inspector will call you to setup a time when they can come survey the damages. This will happen within days of your registration.
If you have already made repairs to your property, you could be reimbursed for the repair and cleanup expenses. It is beneficial to have photos of the damage before repairs are made to speed up your application process. Using FEMA funding, you can utilize the expertise of a professional flood remediation company to ensure your home is put back to being safe, sanitary, and structurally sound.
Suffering Through Sewage Cleanup
Sewer backups manifest first in tubs and floor drains in the lowest points of the home
Suffering Through Sewage Cleanup
When there is a waste management leak or a backup in Big Cherokee, TN, you could be facing a potential sewer cleanup disaster. Follow these simple steps to keep yourself safe from all of the dangers inherent to this kind of hazard.
1. Dreaded Diseases
The primary issue that stems from a sewage leak comes from biohazardous material. Bacteria, viruses and other potential pathogens can all hide in that disgusting mess, and exposure to fluids and gasses can make you or your loved ones incredibly sick.
It’s always a good idea to hire professionals to handle the problem, especially since they will already have the tools necessary for sewage cleanup. It pays to take advantage of a skilled team that will keep you out of harm’s way.
2. A Barrier to Bacteria
If a sewer backup in Big Cherokee, TN, is small enough that you feel you can keep it under control yourself, you still need to wear adequate protection. Wearing gloves, boots, masks and eyewear is essential, and it’s also a good idea to have full-body coverage in case any splashing occurs.
As far as porous materials like clothing, carpet and drapes are concerned, cleaning them is probably more trouble than it’s worth. While bacteria and other contaminants can be killed with bleach, the amounts found in sewage are so great that they may be ruined for good.
3. Water Removal
The water from a sewer cleanup gets everywhere and needs to be contained right away. Backflow can turn a flooded toilet into a cauldron of biohazard chaos, so make sure you dispose of any physical material in strong plastic bags.
Bring any other contaminated items to a room with a concrete floor until you can take care of them separately. When all of the movable items are out, wash and rinse the area with warm water and bleach. This will disinfect your sewer cleanup, letting you finally get your home out of the gutter!
4 Tips to Prepare Your Business for a Disaster
Create an emergency plan
Four Steps To Prepare Your Company For Any Type Of Catastrophe
Whether dealing with storm damage, fire damage or flood cleanup, a well-crafted disaster preparedness plan can help your business recover after an unexpected event. Here are four important steps you can take to prepare your company for any type of catastrophe.
1. Create an Emergency Plan
Training and forethought is key when it comes to protecting your employees in the event of a sudden disaster. Depending on the type of emergency, you will have to determine whether it is safest to stay inside or evacuate. If evacuation is necessary, all employees should be made aware of escape routes and recognize their roles in the evacuation procedure. For example, you may want to designate someone to shut down critical operations before exiting. Once everyone is outside, they should regroup at a designated meeting place. Pay special attention to devising a safety strategy for workers with disabilities who might need extra assistance.
2. Develop a Crisis Communication Strategy
Create a disaster preparedness plan for communicating with employees, stakeholders and local authorities. This often involves things like detailing the type of emergency assistance needed, plans for re-opening or returning to work and determining whether products and services will be provided as usual.
3. Carry Insurance
A good business preparedness plan should include hazard insurance for unexpected events including fires, flood damage and other natural disasters. Another option is catastrophe insurance that protects your company in the event of any extremely-costly natural or man-made event. Finally, you might also want to purchase business interruption insurance to keep your business afloat during the restoration period. Business interruption insurance may cover lost revenue, normal operating expenses and costs associated with temporary relocation.
4. Understand the Recovery Process
Compile a list of reputable restoration specialists in Bowmantown, TN. Professionals will use advanced tools and specialized techniques to assist with storm cleanup, water damage, mold remediation and even fire repairs. Beginning the cleanup process immediately after disaster strikes can get your business back on the right foot as fast as possible.
If your organization does not already have a disaster preparedness plan, start developing one today. It is one of the best things business owners can do to ensure the safety of their employees and their company.
A Professional Response to Smoke Damage
Thermal foggers remove smoke odor
A Professional Response to Smoke Damage
There's much more to fire damage than structural destruction; smoke and soot both affect your property and belongings long after the flames have been put out. In addition to repairing damage to walls, ceilings, and floors, fire and smoke damage cleanup and repair professionals handle soot and smoke cleaning. Several methods of cleanup are used to prevent stains and lingering odors:
- Air filtration devices: These devices are commonly used to filter out high levels of particulates, including soot and chemicals from fire suppression products
- Ozone machines: Ozone contains three oxygen molecules, and one of those has the ability to detach itself and attach to chemicals and other substances in the air. The devices are used to destroy germs.
- Thermal foggers: This type of equipment is effective at removing the odor of smoke and deodorizing the rooms and furnishings on your property.
Sometimes, property owners are in a hurry to get their properties back to pre-fire conditions and throw out furnishings and equipment that could be restored through professional cleaning.
Assessment and Mitigation
For the best results, contact a fire damage cleanup company as soon as possible. Once these professionals arrive, they'll begin with a comprehensive assessment of the property and furnishings. Smoke odor mitigation generally begins with a thorough washing of all surfaces. Specialized products, such as chemical sponges, are used to get below the surface of materials and to get rid of stain-causing substances.
Cleanup and Deodorization
The deodorizing process is next in the smoke cleaning plan. This is the point when air filtration, ozone, and thermal fogger machines are used. Technicians are well-versed in the safe and appropriate use of these powerful tools, so smoke odor won't be a problem when clients return to your property.
Jonesborough, TN, fire and smoke cleaning professionals have the specialized equipment and training to leave your property in pristine condition. Remember to act quickly after your property has been affected by fire damage to prevent lasting smoke damage.
Tips for Preventing and Cleaning Black Mold
Dust that accumulates in your air ducts can lead to microbial growth
Signs of Mold In Your Vents
If you are worried about black mold in your Telford, TN, commercial building, there are steps you can take to correct the issue. First, you must confirm whether this mold is actually present.
Air ducts are a common location for mold. Mold spores usually circulate within the air vents, and the spores feed off the dust found in those vents. Here are some signs that you might have a mold problem in your vents:
- Black dust
- Patchy dust
- Musty aroma
Since mold is naturally present everywhere, it is impossible to get rid of all the mold spores in your building. However, you do need to make sure that any excess mold is eliminated as soon as possible.
Once you suspect that excess black mold is present on your property, contact an inspector to make sure that your suspicions are correct. You should then get the mold removed quickly so it doesn’t spread even further.
Mold remediation is a complex process, so you should contact a professional to handle the job for you. This expert should have the proper tools to disinfect and clean the ducts. The pro should also be able to find the source of the mold growth.
Preventing the Return of Mold
Once the excess mold is removed from your building, you need to make sure it doesn’t come back. Removing debris from your air conditioning filter is an easy step you can take to prevent the buildup of mold.
Clean ducts also limit mold growth. You should thus have a professional check out the ducts at least two times a year. The expert should also watch for cracks or leaks and repair them as soon as possible before they attract mold.
By maintaining your air conditioning units, you can limit the amount of black mold in your building. If you do spot a problem, however, local mold remediation specialists can remediate the issue.
The Emergency Sprinklers Went Off, But There Wasn't a Fire: What's Next?
When emergency sprinklers go off, you may have to deal with flooding.
Your commercial building in Johnson City, TN, is equipped with fire sprinklers. This emergency system helps control flames should a fire break out on your property. However, this system might not always work correctly. If the sprinklers go off when there wasn't a fire, you may want to do the following.
5 Steps to Follow When The Sprinklers Go Off
- Turn off the water. Because the sprinklers started going off without a reason, you may need to turn the water off to stop the water from flooding your building. Quickly turning off the source of the water can help reduce the amount of damage the deluge is able to do.
- Call your insurance company. Your commercial insurance may help cover the cost of fixing up water damage. Of course, many coverages have limitations on what will be covered. You can talk to your insurance provider to find out if the accidental running of emergency sprinklers qualifies under your policy.
- Call a restoration company. Whether or not your insurance will help pay for the damages, you need to clean up after the flooding has occurred. A professional restoration team can help you get rid of the standing water, dry out your belongings and repair the damages done to building materials.
- Schedule an inspection. Most fire sprinklers are designed to only go off when the temperature near a sensor reaches fire-like heights. If your system started spraying for no reason, you may want to have it inspected. This may help you figure out what caused the water to turn on and fix the issue.
- Set up regular maintenance. Performing regular maintenance on your sprinkler system can help ensure you don't have to deal with this dilemma ever again. You may be able to hire a professional to clean and repair the sprinklers.
When emergency sprinklers go off, you may have to deal with flooding. Quickly cleaning up the water and assessing what caused the sprinklers to go off are important steps in this process.
Proper Smoke Alarm Placement and Maintenance
Your smoke alarm could be a lifesaver in the event of a fire
As a homeowner, there are precautions you can take to minimize the risk of fires. It's important to regularly inspect and monitor your heating and electrical systems. You also need to be careful in the kitchen as you are cooking. However, perhaps the best thing you can do to protect yourself and your family is to have a properly functioning smoke alarm. In fact, your home should have multiple alarms to alert you when danger is present. There are essential aspects of these alarms that you must pay attention to.
Importance of Smoke Alarms
If you have unhooked the smoke alarms in your Gray, TN, home, put it back together immediately. If you have an older home, and it doesn't have a smoke detector, have a professional install one today. These devices are critical to your well-being.
- They act as the first line of defense by sensing smoke in the house.
- They send out a high-pitched, loud noise to warn you of a potential fire.
- They can give you peace of mind.
Where To Put Them
It isn't sufficient to have only one smoke alarm in your house. Experts recommend placing one in every sleeping area as well as in outside the sleeping area. Make sure there is at least one on every level.
Change the Batteries
It's possible to find long-lasting batteries, but don't assume they're going to work in your older detectors for the long term. To be safe, you should replace the batteries once a year. This will help ensure the devices operate correctly and avoid fires and fire damage and the need to hire a fire cleanup crew. However, new detectors have a much longer battery life and only need to be replaced once every 10 years.
Your smoke alarm could be a lifesaver in the event of a fire. Do your part to protect your home and loved ones by having highly functional detectors.
Choosing Storm Shutters for Your Home
Choose to protect your home with storm shutters
Things to Consider When Choosing Storm Shutters for Your Home
If your home experiences high winds in Austin Springs, TN, then storm shutters may be something you're looking at. These can be important tools for protecting your home during inclement weather, and choosing the right storm shutter may depend on your home's individual needs. Here are a few things to consider when picking out the right fit for your residence.
1. Know your Local Weather
The type of style of the storm shutters you prefer for your home may be dependent on your local weather patterns. When doing so it's important to know what to expect in your area, and what type of recommendations have been suggested for your local region. Different styles may work better for certain weather patterns,
2. Choose a Style
There are several styles of shutters available, from those designed for high winds, to units created for heavy rain. Th accordion shutter style folds out away from the home and over the window, while roll-down units install above the window and pull down to cover the glass. Others act as awnings in good weather and can be swung down to close before a storm.
3. Select a Material
The next step is to select the material you wish your shutters to be constructed out of. Certain materials may be dependent on style, but in most cases wood or metal are the most common. It is also important to note that even if with shutters some storm damage can still occur, and in such cases a water damage restoration service may be able to help.
In an area that experiences high winds you may choose to protect your home with storm shutters. Selecting the right shutter for your home may include knowing your local weather patterns, choosing the style that works best with those patterns, and the material that stands up to the weather in your area. Remember, if you have any questions a professional may be able to help.
How Fire Damage Can Lead to Water Damage
If a fire affects your Johnson City, TN, office, there can potentially be expensive cleanup efforts. The flames and smoke can cause significant damage to the walls, floor, electronics and furniture of your building. There are other reasons you might require the attention of a restoration company and other professionals, but one of these might surprise you. Fires and water cleanup actually go together frequently. Be prepared to contend with the possibility of flooding after a blaze runs through your workplace.
When a fire starts in your building, your top priority should be the safety of the entire staff. Once everyone evacuates and you've contacted the fire department, there are a few more people you need to get in touch with to ensure thorough cleanup and rebuilding. Make sure you immediately call the following people:
- Your insurance agent
- A fire cleanup company
- A flood remediation team
The fire department has one major objective: Get the fire under control to keep it from spreading and causing additional damage and harm. The firefighters may use a large amount of water to put out the flames. Though they may be successful, the volume of moisture they spray from the hoses could ruin carpet, drywall, and various supplies and equipment. This could require water cleanup from experienced flood remediation specialists.
Damage From Sprinklers
Your building is likely equipped with sprinklers in the ceiling. These will go off when smoke is detected in the area. Though the sprinklers can do an effective job of battling the fire and even prevent the need for smoke cleanup, they could also flood your office space. It's important to consult with restoration experts so you can minimize the damage and get your office back to its pre-disaster state.
Water cleanup doesn't just occur with pipe leaks or sewer problems. Be prepared to face both the effects of smoke and fire damage as well as the excess water you may find in the building.